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State Pension. Your notes booklet. Remember The easy way to claim your State Pension is online or by phone. Important.

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State Pension Your notes booklet These notes tell you more about the State Pension, and help you fill in your claim form. Remember The easy way to claim your State Pension is online or by phone Visit
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State Pension Your notes booklet These notes tell you more about the State Pension, and help you fill in your claim form. Remember The easy way to claim your State Pension is online or by phone Visit Phone The Pension Service claim line on Lines are open from 8am to 6pm Monday to Friday, except public holidays. Calls from a BT landline will be free. Other service providers and mobile networks may charge. If you have speech or hearing difficulties, you can contact us using a textphone on We welcome calls from Text Relay. If English is not your first language, you can ask for an interpreter. At the same time you can apply for Pension Credit claim Housing Benefit Important This booklet gives general guidance only and should not be treated as a complete and authoritative statement of the law. BR1 Notes 02/14 About your State Pension Your State Pension is based on the National Insurance (NI) contributions you have paid, or have been treated as paying, or been credited with, during your working life. There may be different parts in your State Pension, for example basic State Pension and additional State Pension. We can tell you how much State Pension you will get. Call us on If you are not entitled to the full rate of basic State Pension you may be able to increase the amount you get by paying voluntary NI contributions for past years. New rules for paying additional voluntary contributions from 6 April 2009 Customers may be able to improve their basic State Pension by paying up to an additional six years of voluntary National Insurance contributions for tax years from 6 April 1975 if: -they reach State Pension age between 6 April 2008 and 5 April already have 20 qualifying years (including full years of Home Responsibilities Protection). Customers who reached State Pension age between 6 April 2008 and 5 April 2010 must have at least one paid, or treated as paid, qualifying year. Payment for the additional years must be made within six years of the date you reach State Pension age. They can be paid in addition to any voluntary National Insurance contributions you may be able to pay under the usual time limits. Additional voluntary National Insurance contributions cannot be paid for any tax year the whole of which is covered by a married woman s or widow s reduced rate election. If you do not already have the 20 qualifying years needed to pay additional voluntary National Insurance contributions you may be able to get them by paying some voluntary National Insurance contributions under the usual time limits. If you want to know if you can increase your basic State Pension in this way, get in touch with us. You can ask us about this at any time, even if you do not want to claim your State Pension yet. To find out more about the rates of basic State Pension call us on visit ask for a leaflet about social security benefit rates from Jobcentre Plus. 2 Improving your State Pension If you are married or a civil partner Sometimes you won t get State Pension based on your own National Insurance contributions, or your basic State Pension will be less than the full rate. But you may be able to get basic State Pension based on your husband s, wife s or civil partner s National Insurance contributions if you are a woman married to a man, and your husband has reached State Pension age, or a married man, and your wife was born on or after 6 April 1950 and has reached State Pension age, or a woman married to a woman, a man married to a man or a civil partner, and your husband, wife or civil partner was born on or after 6 April 1950 and has reached State Pension age. The earliest a man married to a man or a male civil partner will be able to get a basic State Pension based on his husband s or civil partner's National Insurance record is 6 April 2015, as this is the date a man born on 6 April 1950 reaches State Pension age. If you are a married woman and your spouse legally changes gender from male to female during your marriage, you may be able to have your basic State Pension improved by using her contributions even if she was born before 6 April This is the same treatment as if she had not legally changed her gender. If you are divorced You may be able to get an increase of basic State Pension by using your ex-husband or wife's National Insurance contributions. If your civil partnership has been dissolved You may be able to improve your basic State Pension by using your ex-civil partner's National Insurance contributions. If you have been widowed You may be able to improve your basic State Pension by using your late husband or wife's National Insurance contributions. But you will not be able to improve your basic State Pension by using the National Insurance contributions of your late husband or wife if you were under State Pension age when your husband or wife died, and you remarry or form a civil partnership before you reach State Pension age. If you were widowed on or after 9 April 2001 and get a bereavement benefit like Bereavement Allowance or Widowed Parent's Allowance, you will stop getting that benefit when you reach State Pension age. You will then normally be entitled to State Pension instead. If you were widowed before 9 April 2001 and get a widow's benefit like Widow's Pension or Widowed Mother's Allowance, you can claim State Pension from State Pension age, or keep getting your Widow's Pension until you are 65, or keep getting your Widowed Mother's Allowance for as long as you are entitled to it, or give up your widow's benefit to earn extra State Pension. 3 Improving your State Pension continued If you are more than thirty days away from reaching your State Pension age, you can get a State Pension statement to help you decide what to do. It will tell you if you will get more money by claiming State Pension instead of your widow's benefit. If you are a surviving civil partner You may be able to improve your basic State Pension by using your late civil partner's National Insurance contributions. But you will not be able to improve your basic State Pension by using the National Insurance contributions of your late civil partner if you were under State Pension age when your civil partner died, and you form a new civil partnership or marry before you reach State Pension age. If you are entitled to Widowed Parent s Allowance or Bereavement Allowance because of the death of your civil partner, you will stop getting those benefits when you reach State Pension age. You will then normally be entitled to State Pension instead. Getting an estimate of your State Pension A State Pension statement will tell you how much you may get when you claim your State Pension. Your State Pension Statement will be based on your own National Insurance Contributions. If you would like a statement call the Future Pension Centre straight away. You will not be able to get a statement once you are within thirty days of you State Pension age. Call them on Lines are open from 8am to 6pm Monday to Friday. They are closed on public holidays. You will be charged at a local rate if you call from a BT landline. Charges for calls from mobile phones and cable networks may be different. If English is not your first language we can provide an interpreter for you. If you have speech or hearing difficulties, you can contact them using a textphone on Or you can use Text Relay by dialling All the information you give them is confidential. They may record some calls to monitor their standard of service and for training purposes. 4 Tracing a lost occupational or personal pension If you have changed jobs a number of times during your working life, it is easy to lose contact with an old employer and their pension scheme. The Pension Tracing Service may be able to help you if you are not sure of all the details but you think you may have an old occupational or personal pension, or think you may be a beneficiary of an old pension scheme, or you are acting on behalf of someone else. Tracing all your pension benefits now will help you make decisions in the future about saving for your retirement. And it will help make sure that you get all the pension benefits that you are entitled to when you retire. You can trace a pension by: calling us on We will do the trace over the phone or send you an application form. Opening hours are Monday to Friday 8am to 6pm. visiting writing to: The Pension Tracing Service The Pension Service 9 Mail Handling Site A Wolverhampton WV98 1LU. We need to know at least the name of your previous employer or pension scheme. If you have speech or hearing difficulties you can contact us using a textphone on Or you can use Text Relay by dialling Working past State Pension age If you work past State Pension age, you can increase your income when you retire. This is because you will have more time to earn and save for your future. If you decide to work fewer hours job share do a less demanding role, or do seasonal work check how it will affect any occupational pension schemes you are paying into. If you work past State Pension age, you can claim State Pension while you keep working. The money you earn and the hours you work will not affect your State Pension, but you may pay tax on your State Pension as well as the money you earn. You can also put off your claim to State Pension to earn extra State Pension or a lump sum. You may be able to keep working with the same employer while they are paying you an occupational pension. Paying National Insurance contributions past State Pension age You do not pay Class 1 National Insurance contributions after State Pension age. If you work for an employer and you are past State Pension age, you need to give your employer a Certificate of Age Exception. This certificate tells them that you do not have to pay National Insurance contributions on the money that you earn. If you tell us that you are going to keep working when you claim your State Pension, this certificate will be sent to you automatically. If you put off claiming State Pension and need a certificate, contact HM Revenue & Customs. You may have to give them evidence of your date of birth. You can write to them at: HM Revenue & Customs NICO Contributor Caseworkers Benton Park View Longbenton Newcastle upon Tyne NE99 1ZZ. If you want to find out more about National Insurance, you should contact HM Revenue & Customs. You can find the number in the phone book under HM Revenue & Customs. Or you can visit their website at 6 Putting off your State Pension You can put off claiming your State Pension when you reach State Pension age. This means we will not pay you State Pension until you claim it. Depending how long you put off your claim, you will be able to get extra State Pension or a lump sum when you do claim. Putting off claiming is also known as 'State Pension deferral'. For more information about putting off your claim for State Pension see 'When to claim your State Pension' in Part 3 on page 9 of this booklet. If you are already getting State Pension, you can stop being paid your State Pension to earn extra State Pension or a lump sum later on. You can only do this once and you must normally live in Great Britain. You can put off claiming State Pension for as long as you like. Extra State Pension You can choose to get extra State Pension if you put off claiming your State Pension for 5 weeks or more. When you do claim, you will get a higher weekly State Pension for the rest of your life. The amount of extra State Pension you get is 0.2% of your weekly State Pension for each week you have put off your claim. This works out at 1% for every 5 weeks, and 10.4% for a full year. When your State Pension increases every April, your extra State Pension will usually increase as well. The State Pension is not increased in all overseas countries. Lump sum payment If you put off claiming your State Pension continuously, for at least one year or more in a row, you have two choices. You can get extra State Pension or you can get a lump sum payment instead. You will have to pay tax on the lump sum. We will only pay you the lump sum once. The lump sum payment is made up of the State Pension you would have got if you had not put off claiming, plus interest. We will add interest to the lump sum payment for each week that you put off claiming. We will add the interest at 2% above the Bank of England s base rate. You can get the lump sum when you start to claim your State Pension or in the following tax year. You will also get your normal State Pension when you start claiming. How putting off your claim is affected by other benefits If you put off claiming State Pension while getting other benefits, you will not build up any extra State Pension or lump sum for the days that you get the other benefit. These other benefits include: Carer s Allowance Severe Disablement Allowance Unemployability Supplement Widow s Pension Widowed Mother s Allowance Incapacity Benefit Pension Credit. 7 Putting off your State Pension continued Also you will not be able to build up extra State Pension or a lump sum for the days that you or your partner, if you have one, get one or more of the following income-related benefits: Pension Credit Income Support income-based Jobseeker s Allowance income-related Employment and Support Allowance. We use partner to mean a person you are married to or a person you live with as if you are married to them, or a civil partner or a person you live with as if you are civil partners. Taxation You may have to pay tax on your State Pension. And if you decide to take the extra State Pension, you will have to pay tax on that as well. If you decide to take the lump sum instead of extra State Pension you may have to pay tax on the lump sum. Extra State Pension will be taken into account for Pension Credit and Housing Benefit, just like other types of income. The lump sum will not affect your claim for Pension Credit or Housing Benefit. To find out more about tax and the State Pension visit What do I have to do? You do not have to tell us if you want to put off claiming your State Pension, or you want to keep putting off claiming it. But if you get another social security benefit you need to tell us what you want to do. If you are thinking about putting off your claim, it is important that you find out more about this option before you decide. This booklet can only give general information. There is more information on our website at You may also want to get independent financial advice. You may have to pay for this. If you are currently putting off claiming your State Pension You may also benefit from the choices available. To find out more, please contact us on Notes to help you fill in your claim form Part 1 About you Use this part of the form to tell us your personal details. Part 2 About your husband, wife or civil partner Answer all the questions on the form that apply to your husband, wife or civil partner, if you have one. If you have told us that you are married or in a civil partnership you should send us your marriage certificate, or civil partnership certificate. If you have told us that you are divorced or your marriage has been annulled or your civil partnership has been dissolved you should send us your divorce certificate (decree absolute, decree of divorce, certificate of annulment), or civil partnership dissolution certificate. We need to see the original certificate, not a photocopy. You must remember to send us the certificates we ask for. We will return them within 5 working days. If we need to keep them longer, we will tell you why. Phone us on if any of this will cause you difficulties. If you do not, benefit you can get from this claim may be delayed. Part 3 When to claim your State Pension State Pension payday is a fixed day of the week. Any money that you earn will not affect your State Pension but may affect your income tax. You will need to contact us to make a separate claim for any State Pension you qualify for based on your husband's, wife's or civil partner's National Insurance record if: you qualify for some State Pension based on your own National Insurance record and you claim this before they reach State Pension age, and when they reach State Pension age they decide to put off claiming their own State Pension. Time limits We can accept your claim if it is received no earlier than 4 months before the date you wish to get State Pension, or the date you reach State Pension age, whichever is the later. Your State Pension cannot be backdated more than 12 months before the date your claim is received. If you ask us to backdate your State Pension claim, we will work out how much State Pension you are due, back to the date you tell us you want your claim to start from, and pay you this amount. This payment does not include any interest, and you will not earn extra State Pension or a lump-sum payment for the period you backdate your claim for. 9 Notes to help you fill in your claim form continued Part 3 When to claim your State Pension continued Delaying your claim to State Pension You might want to think about a more flexible approach to your retirement. If you want to, you can continue to work longer, or work part-time, whether or not you have claimed your State Pension. If you put off claiming your State Pension until a time that suits you, you can get extra State Pension or a one-off taxable lump sum payment. Depending on how long you put off your claim for, when you finally claim your State Pension, you can choose either: extra State Pension, paid for life on top of your normal weekly State Pension, or a one-off, taxable lump-sum payment, plus your normal weekly State Pension. The minimum period you must put off claiming your State Pension to get extra State Pension is 5 weeks, or 12 consecutive months to get a lump sum payment. Extra State Pension If you choose extra State Pension, you can get an extra 1% on top of your weekly State Pension for every five weeks that you put off claiming this is the same as 10.4% extra for every year you put off claiming. So, if you put off claiming for a year, you could get about 1 extra for every 10 of your weekly State Pension. One-off lump sum payment This is a one-off payment based on the amount of State Pension you would have received in the period you put off claiming. It also includes interest, which will always be at least 2% above the Bank of England base rate. As well as getting your lump sum, you will also get your weekly State Pension, paid at the normal rate from when you start claiming it. You can put off claiming your State Pension for as long as you like to build up either extra State Pension or a lump sum. You could also choose to have your State Pension backdated. Circumstances when putting off claiming your State Pension does not earn extra money If you put off claiming your State Pension for more than five weeks, there are certain circumstances in which you might not earn extra State Pension. Or if you have put off claiming your State Pension for more than 12 months there are certain circumstances in which you might not earn a lump sum payment. For example if since reaching State Pension age you or your partner have received certain other benefits, or someone else has received an increase of another benefit for you, or you have been in prison. If you want more information about delaying your claim to State Pension please contact us on Notes to help you fill in your claim form continued Part 4 How we pay you Please read these notes before you complete Part 4 of the claim form. We normally pay your money into an account Many banks and building societies will let you collect your money at a post office. We will tell you when the first and second payment will be made and how much each is for. We will tell you if the amount we pay into the account is going to change. Finding out how much we have paid into the account You can check your payments on account statements. The statements may sh
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